Credit Officer III (Middle Market)

South State Bank•Atlanta, GA

About The Position

The SouthState story is one of steady growth, deep community roots, and an unwavering commitment to helping our customers move forward. Since our beginnings in the 1930s to becoming a trusted financial partner across the South and beyond - we are known for combining personal relationships with forward-thinking solutions. We are committed to helping our team members find their success while maintaining the integrity of our values: building trust, fostering lasting relationships and pursuing excellence. At SouthState, individual contributions are recognized, potential is cultivated and team members are inspired to achieve their greater purpose. Your future begins here! SUMMARY/OBJECTIVES This role provides direction, support and approval of C&I loans in our Middle Market segment which is defined as prospects and clients with revenues of $100 million to $500 million annually.

Requirements

Must have active listening skills (i.e., the ability to listen to others (without interruption), seek genuine understanding, and propose relevant and appropriate ideas).
Patient and willing to help internal and external stakeholders solve problems while maintaining a positive attitude.
Strong communication skills (written and verbal).
Composed under pressure.
An inclination to lead, organize, and develop within their sphere of influence.
Well-organized, accurate, and attentive to detail.
Able to type at a pace of roughly 20 words per minute.
Proficient with a financial calculator.
Proficient with standard office machines, Microsoft Office software suites, and any software that might be utilized in the department.
Ability to use the computer efficiently and the capacity to learn new software programs as they are rolled out by the Bank.
Able to fluently speak and write in business English (including spelling, grammar, and punctuation).
Requires Bachelor’s Degree in accounting, economics, finance or a related field; Graduation from a recognized school of banking and/or business-related graduate degrees are a plus.
Prior commercial lending, underwriting, and credit approval is highly beneficial. Minimum of ten years of experience in commercial banking, business banking and/or portfolio management. Competent to decision deals of advanced complexity, or that required specialized knowledge, arising from multiple market areas.
Knowledge of accounting, finance, and lending principles. In-depth knowledge of Federal and State lending regulations and Bank policies related to lending procedures.
Must be able to remain seated or work standing in a confined area on a computer for a minimum of four (4) hours each workday.
Must be able to constantly use hands and fingers to enter data through or on a computer or answer a phone throughout most of standard workday.
Must be able to hear and communicate with coworkers and customers.
May need to lift up to 25 pounds to perform job.
Must be able to function in a professional, business office environment and act and dress appropriately for same, consistent with the Bank’s grooming and dress code.
Must demonstrate excellent interpersonal skills with customers and coworkers.
Must be willing to function as a team member.
Must be willing to demonstrate commitment to SouthState Bank’s mission and goals
Telecommuting any hybrid roles must have a secure home office environment that is free from background noise and distractions. They must also have a reliable private internet connection that is not supplied by use of cellular data (hot spot). Cable or fiber connections are preferred. Requirements are subject to change, as new systems and technology is delivered. Travel may be required to come to meetings as needed.

Nice To Haves

Prior management experience is preferred.

Responsibilities

Read, analyze and synthesize large amounts of information (e.g., spreads, credit memorandums, financial statements, audits, loan documents, leases, appraisal and environmental reports, etc.)
Perform relevant underwriting calculations and financial statement ratios
Know and stay abreast of economic conditions
Determine appropriate loan amounts and credit limits
Coordinate approvals with Relationship Managers
Supervise underwriters to verify correct completion of duties
Approving credits within nCino and maintaining accurate credit files
Follow strict confidentially procedures
Ensure risk ratings are appropriately assigned during the new loan/renewal approval process
Perform duties within established service level agreements (i.e., SLAs)
Coach, mentor and develop staff (i.e., Portfolio Managers)
Drive strict compliance with the Bank’s policies and procedures, code of conduct, and regulatory guidelines
Assistance other employees by liaising with them through healthy and positive interactions
Participate in marketing endeavors/efforts
Continuously update skills through Bank and third-party training
All other tasks, responsibilities or duties, as directed by management.